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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,518 | $108,912-79.3% | $100,383-77.6% | $145,959-84.6% |
| Participation rate | 64.7% | 83.0%-18.2pp | 81.5%-16.8pp | 80.3%-15.6pp |
| Annual return | 11.94% | 57.96%-46.0pp | 49.26%-37.3pp | 561.95%-550.0pp |
| Employer contribution / active EE | $1,447 | $4,423-67.3% | $3,944-63.3% | $4,661-69.0% |
| Participant deferral / active EE | $1,735 | $8,451-79.5% | $8,086-78.5% | $6,689-74.1% |
| Admin fee / account holder | $452 | $9,690-95.3% | $7,900-94.3% | $13,398-96.6% |